MF CONCORDE
Open bankruptcyA bankruptcy procedure is open for MF CONCORDE according to publications in the Belgian State Gazette; curator: FRANCOIS MINON.
Summary
The 2022 annual accounts show negative equity (-€63,241) and a net result of -€42,744.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Liège, Liège division
- Declared bankrupt
- 5 February 2024
- Supervising judge
- Benoit Burnotte
- Official Gazette
- 09-02-2024 (pdf) ↗search the document for 2024/105001
Deadlines
- Appeal or third-party opposition until
- passed on 24 February 2024Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 6 March 2024art. XX.104 and XX.155 CEL
- First verification report
- passed on 21 March 2024Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 5 February 2025Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Francois MinonRue Des Augustins 32, 4000 Liege 1francois.minon@henry-mersch.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 30-05-2023, 62 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
62 d early
2021
47 d early
2020
4 d early
2019
319 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 52 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Washing and cleaning of motor vehicles sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, micro schema
Turnover
€232,827▼ 26.1%
2021 · €315,204
EBIT margin
-16.5%▼ 18.3pp
2021 · 1.8%
Net result
-€42,744
2021 · €3,332
Working capital
-€75,253▼ 90.2%
2021 · -€39,556
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Turnover€830,190-€315,204€232,827▼ 26.1%
Operating result€10,516--€1,516€190€5,623▲ 2,865%-€38,494
Net result€4,390--€3,392€8,347within the sector's middle half€3,332within the sector's middle half▼ 60.1%-€42,744below the sector's middle half
EBIT margin1.3%-1.8%-16.5%▼ 18.3pp
Equity€10,590-€7,198▼ 32.0%€15,545within the sector's middle half▲ 116%-€20,498below the sector's middle half-€63,241below the sector's middle half▼ 209%
Total assets€96,718-€127,133▲ 31.4%€233,071within the sector's middle half▲ 83.3%€232,008within the sector's middle half▼ 0.5%€84,974within the sector's middle half▼ 63.4%
Debt€86,128-€119,934▲ 39.3%€217,526▲ 81.4%€252,505▲ 16.1%€148,215▼ 41.3%
Working capital-€24,944--€22,522▲ 9.7%-€11,192▲ 50.3%-€39,556▼ 253%-€75,253▼ 90.2%
Solvency10.9%-5.7%▼ 5.3pp6.7%below the sector's middle half▲ 1.0pp-8.8%below the sector's middle half▼ 15.5pp-74.4%below the sector's middle half▼ 65.6pp
Staff (FTE)0.7-1.1▲ 57.1%1.1within the sector's middle half=4▲ 264%4=
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2022: a loss of €38,494 after €5,623 in 2021, the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €84,282
Fixed assets
€11,512 ▼ 36.9%
Current assets
€72,770 ▼ 65.8%
Key figures and ratios
EBITDA
-€34,580▼
2021 · €13,630
Cash flow
-€38,830▼
2021 · €11,339
Current ratio
0.49▼
2021 · 0.84
Quick ratio
0.20▼
2021 · 0.68
Debt to equity
-2.34▲
2021 · -12.32
ROA
-50.3%▼
2021 · 1.4%
Interest coverage
-6.11▼
2021 · 2.73
Debt ≤ 1 year
€148,024▼
2021 · €252,505
Staff costs
€64,392▲
2021 · €32,379
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €830,190 | - | - | €315,204 | €232,827 | ▼ 26.1% |
| Non-recurring operating income76A | - | - | - | €13,112 | €679 | ▼ 94.8% |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €284,776 | €200,666 | ▼ 29.5% |
| Remuneration, social security and pensions62 | - | - | - | €32,379 | €64,392 | ▲ 98.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,411 | €8,764 | €9,210 | €8,007 | €3,914 | ▼ 51.1% |
| Other operating charges640/8 | - | - | - | €795 | €3,917 | ▲ 393% |
| Non-recurring operating charges66A | - | - | - | €210 | - | - |
| Gross operating margin9900 | €62,975 | €35,748 | €31,622 | €47,014 | €33,729 | ▼ 28.3% |
| Operating profit (loss)9901 | €10,516 | -€1,516 | €190 | €5,623 | -€38,494 | ▼ 785% |
| Financial income75/76B | - | - | - | €2,708 | €1,412 | ▼ 47.9% |
| Recurring financial income75 | €317 | €1,023 | €1,788 | €2,708 | €1,412 | ▼ 47.9% |
| Financial charges65/66B | - | - | - | €4,999 | €5,661 | ▲ 13.2% |
| Recurring financial charges65 | €4,026 | €2,899 | €3,088 | €4,999 | €5,661 | ▲ 13.2% |
| Profit (loss) for the period before taxes9903 | €6,807 | -€3,392 | €8,347 | €3,332 | -€42,744 | ▼ 1,383% |
| Income taxes67/77 | €2,417 | - | - | - | - | - |
| Profit (loss) for the period9904 | €4,390 | -€3,392 | €8,347 | €3,332 | -€42,744 | ▼ 1,383% |
| Profit (loss) for the period to be appropriated9905 | €4,390 | -€3,392 | €8,347 | €3,332 | -€42,744 | ▼ 1,383% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €96,718 | €127,133 | €233,071 | €232,008 | €84,974 | ▼ 63.4% |
| Formation expenses20 | €1,223 | - | - | €825 | €692 | ▼ 16.1% |
| Fixed assets21/28 | €34,311 | €29,720 | €26,737 | €18,234 | €11,512 | ▼ 36.9% |
| Intangible fixed assets21 | - | €1,090 | €958 | - | - | - |
| Tangible fixed assets22/27 | €34,311 | €28,630 | €25,779 | €18,234 | €11,512 | ▼ 36.9% |
| Plant, machinery and equipment23 | - | - | - | €9,070 | €6,796 | ▼ 25.1% |
| Furniture and vehicles24 | - | - | - | €9,164 | €4,716 | ▼ 48.5% |
| Current assets29/58 | €61,184 | €97,412 | €206,334 | €212,949 | €72,770 | ▼ 65.8% |
| Amounts receivable after more than one year29 | - | - | - | €46,223 | €24,691 | ▼ 46.6% |
| Other amounts receivable291 | - | - | - | €46,223 | €24,691 | ▼ 46.6% |
| Stocks and contracts in progress3 | €31,273 | €31,273 | €31,273 | €41,385 | €43,168 | ▲ 4.3% |
| Stocks30/36 | - | - | - | €41,385 | €43,168 | ▲ 4.3% |
| Amounts receivable within one year40/41 | €29,172 | €9,924 | €54,171 | €124,789 | €3,658 | ▼ 97.1% |
| Trade receivables40 | - | - | - | €124,555 | €3,392 | ▼ 97.3% |
| Other amounts receivable41 | - | - | - | €234 | €266 | ▲ 14.0% |
| Cash at bank and in hand54/58 | €739 | €8,997 | €17,124 | €551 | €344 | ▼ 37.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €908 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €96,718 | €127,133 | €233,071 | €232,008 | €84,974 | ▼ 63.4% |
| Equity10/15 | €10,590 | €7,198 | €15,545 | -€20,498 | -€63,241 | ▼ 209% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €220 | €220 | €220 | €220 | €220 | = |
| Non-distributable reserves130/1 | - | - | - | €220 | €220 | = |
| Reserves not available under the articles1311 | - | - | - | €220 | €220 | = |
| Profit (loss) carried forward14 | €4,171 | €779 | €9,125 | -€26,917 | -€69,661 | ▼ 159% |
| Amounts payable17/49 | €86,128 | €119,934 | €217,526 | €252,505 | €148,215 | ▼ 41.3% |
| Amounts payable within one year42/48 | €86,128 | €119,934 | €217,526 | €252,505 | €148,024 | ▼ 41.4% |
| Financial debts43 | - | - | - | €4,734 | €4,983 | ▲ 5.3% |
| Credit institutions430/8 | - | - | - | €4,734 | €4,983 | ▲ 5.3% |
| Trade debts44 | €61,904 | €62,002 | €74,797 | €61,794 | €62,433 | ▲ 1.0% |
| Suppliers440/4 | - | - | - | €61,794 | €62,433 | ▲ 1.0% |
| Advances received on contracts in progress46 | - | - | - | €112,573 | €812 | ▼ 99.3% |
| Taxes, remuneration and social security45 | - | - | - | €35,514 | €68,276 | ▲ 92.2% |
| Taxes450/3 | - | - | - | €17,498 | €43,234 | ▲ 147% |
| Remuneration and social security454/9 | - | - | - | €18,017 | €25,042 | ▲ 39.0% |
| Other amounts payable47/48 | - | - | - | €37,890 | €11,520 | ▼ 69.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €191 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,390 | -€3,392 | €8,347 | €3,332 | -€42,744 | ▼ 1,383% |
| + Depreciation and write-downs630 | €10,411 | €8,764 | €9,210 | €8,007 | €3,914 | ▼ 51.1% |
| Operating cash flow (approximation) | €14,801 | €5,372 | €17,556 | €11,339 | -€38,830 | ▼ 442% |
| Investment in fixed assets (approximation) | - | -€4,173 | -€6,226 | €496 | €2,808 | ▲ 467% |
| Change in cash | - | €8,257 | €8,127 | -€16,572 | -€207 | ▲ 98.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
09-02
Bankruptcy
Opening
Tribunal de l’entreprise de Liège, division Liège · event 05-02-2024
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€42,744
Net result drops to -€42,744, the lowest in the series.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 319 days late
2020
31-12
Financial
Back to profitnet €8,347
Net result €8,347 after one loss-making year.
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Seraing · 1 establishment unit since 2017
Ground area
2.0 ha
Building footprint
3,878 m²
Parcel 62352E0851/00E009, Wallonia. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
MF Concorde
since 20172.261.949.532
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62352E0851/00E009 | Wallonia | 2.0 ha | 1 · 3,878 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | FRANCOIS MINON RUE DES AUGUSTINS 32,
4000 LIEGE 1 |
05-02-2024 → present |
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Of 3,205 companies in sector 95316 we hold annual accounts for 754. 514 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded21-02-2017
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
47110Non-specialised retail sale with food, beverages or tobacco predominating
47251Retail sale of wines and spirits
47260Retail trade
81220Other building cleaning and industrial cleaning
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.